expanded Our car insurance

Our car insurance features

You’ll get these features as standard with our car insurance policies:

  • No claims discount – for you and your named driver
  • Driving in Europe – you’ll be covered to drive in certain European countries for up to 35 or 90 days depending on which policy you choose
  • Replacement child car seat – we’ll replace your child car seat if you have an accident, even if there's no physical sign of damage to the seat
  • New car cover – if your car’s less than a year old and you’re the first and only registered owner, we'll replace it with a new car of the same make and model if it’s stolen or written off

Why take out car insurance with us?

You’ll get exclusive rewards and discounts on your car insurance if you are a Nectar member. And you can choose the level of cover that suits you and your budget. With our carefully selected range of insurers, we'll find you the best price we can for your car insurance.

Prices start from £205 for comprehensive cover excluding add ons.* Happy car, happy pocket.

  • We'll double the Nectar points you get on your Sainsbury's shopping and fuel†
  • Discount on your car insurance just for being a Nectar member‡ and we’ll automatically apply your discount when you enter your Nectar card number
  • Plus, get even more Nectar points if you take out more than one type of insurance – find out just how many you could get with our Nectar points calculator
  • Download our app to check your cover details and make changes to keep your policy up to date

Sainsbury’s Bank Car Insurance is arranged and administered by Sainsbury’s Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

*10% of Nectar members paid this price or less. Correct as at 29 January 2020.

Download our app

Our Car Insurance app is designed to help you keep tabs on your policy and cover options. Here’s the handy things it’ll help you do:

  • View policy cover and renewal dates
  • Upload documents such as proof of no claims
  • Make changes to cover with no admin fee.
  • Find out how to make a claim

Download on Google Play or App Store.

Download on the App Store Get it on Google Play

Pick the right cover for you

Choose between comprehensive and third party cover depending on the level of protection you need.

Get a quote

Compare our car insurance

What's included Comprehensive cover Third party, fire and theft
Standard Plus Standard Plus
Loss or damage to your car (except fire and theft)
tick
tick
cross
cross
Loss or damage to your car (by fire and theft) tick tick
tick tick
Damage to your windscreen tick
tick
cross
cross
A courtesy car – three-door hatchback tick
tick
cross
cross
No claims discount and named driver no claims discount
tick tick
tick tick
Driving other cars
tick
tick
cross
cross
Liability to other people
tick tick
tick tick
Driving in Europe
tick tick
tick tick
Replacement child car seat
tick tick
tick tick
New car cover
tick tick
tick tick
Medical expenses
tick
tick
cross
cross
Personal belongings including your Sainsbury's shopping
tick
tick
cross
cross
Personal accident
tick
tick
cross
cross
Protection against uninsured drivers
tick
tick
cross
cross
Breakdown cover cross tick

Bronze level cover only

cross tick

Bronze level cover only

Motor Legal protection cross tick cross tick

Add on some optional extras

Need extras to meet your needs? Choose from breakdown cover, no claims discount protection and more in our optional extras section.

Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.

Get a quote

Not a Nectar member?

No problem, you can still get a discount. Just register as a Nectar member and you'll get your card number straight away.

Sainsbury’s Bank Car Insurance is arranged and administered by Sainsbury’s Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

Terms and conditions

*6,000 Nectar points offer
1. This offer is only available when you take out a new Sainsbury's Bank Car Insurance policy.
2. We'll add 6,000 points to your Nectar account within 60 days of your policy start date, unless your policy is cancelled during this period.
3. If we've offered you a different number of points elsewhere, we'll give you whichever is the bigger number.
4. You need to tell us your Nectar card number when you get your quote.
5. This offer is not available if you buy through a price comparison site, so you need to apply direct on the Sainsbury's Bank website.
6. Points awarded once per Nectar account.
7. This offer can’t be transferred to anyone else.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. We reserve the right to change or cancel this offer without notice.

**Guaranteed discount
The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.

***Double Nectar points offer
1. Only available to customers buying a new Sainsbury’s Bank Car Insurance policy.
2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, with each Sainsbury’s purchase.
3. Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us. 
4. Double points stop when the policy is cancelled or you stop paying premiums. 
5. Each Nectar account can only collect points from one car insurance policy. 
6. It’s only the base points you collect at Sainsbury’s that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service. 
7. By the 10th of each month, you'll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points. 
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 
9. We reserve the right to change or cancel this offer without notice.



Got a question?

Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.

Sainsbury's Bank Car Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

Optional extras

Tailor your cover

Whether you’ve chosen comprehensive cover or third party, fire and theft cover, you can add even more protection to your policy with our optional extras. For an additional cost, you can insure yourself against lost car keys, breakdowns and more. So you know you’ll be covered for the things that matter most to you.

Your optional extras Comprehensive Third party, fire and theft
Standard Plus Standard Plus
RAC Breakdown Cover Optional tick

Bronze level cover only

Optional tick

Bronze level cover only

Motor Legal Protection - cover your expenses if you have to go to court Optional tick Optional tick
Guaranteed Courtesy Car - upgrade your courtesy car to a car the same size or bigger than yours Optional Optional Optional Optional
No Claims Discount Protection - keep your discount when you make a claim Optional Optional Optional Optional
Key Cover - get replacement locks and keys if you're locked out Optional Optional Optional Optional
Windscreen Cover tick tick Optional Optional
Excess Cover - claim back the total excess you have to pay if you make an eligible claim Optional Optional Optional Optional

Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.

Want to know what’s included as standard in your policy? Take a look at our comparison table.

Get a quote

Got a question?

Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.

Sainsbury's Bank Car Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

‡Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy

Get a quote

Find out more

Features

Reap the insurance benefits

Our car insurance covers you bumper to bumper giving you peace of mind to keep on motoring. We've got Comprehensive Cover with lots of features as standard, such as a courtesy car and windscreen cover. And our Third Party, Fire and Theft comes with things like No Claims Discount and child seat replacement cover as standard. And that's before you add any optional extras, which are available for an additional cost. Whether it's RAC Breakdown Cover or our Motor Legal Protection, you can get the insurance you're after.

No Claims Discount

Discover the discounts available for careful driving

No Claims Discount for named drivers

Discounts for named drivers when they take out a policy with us

Courtesy car

Keep on moving while an approved repairer is working on your car following a claim

Windscreen cover

Covering the cost of cracks and chips

European cover

Cover up on holiday – with our policies you’re covered in Europe too

Child seat replacement cover

You don’t take risks with your child’s safety – and neither do we

Up to £200 for your Sainsbury's shopping

Cover from your wellies to your weekly shop

Add some extra

Get more mileage from your policy with our added extras

Got a question?

Get answers to our most commonly asked questions

Get a quote

Got a question?

Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.

Sainsbury's Bank Car Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

‡Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy

Existing customers

We're going through unprecedented times. And, as the impact of Coronavirus (COVID-19) begins to be felt across the UK, it's possible that our contact centres may be affected resulting in reduced service levels. In such circumstances, please bear in mind that you can still access your account 24/7 online and make changes whenever you want – plus there’s no admin fee. To make this even easier, you can also download our app.


Why use the Portal?

Checking your details is quick and easy. You can also:

  • Keep your policy up to date by making changes like changing your car or adding a driver, changing your address or cover if you need to
  • View your insurance documents online, with instant access whenever you need them
  • Upload documents like proof of no claims discount
  • Renew your policy and pay online if you need to

Download on the App Store Get it on Google Play

To make managing your policy even easier these great features are also available on our app which you can download from the App Store or Google Play. You can login using the same details.

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

Did you take out your policy on (or after) 1 Feb 2017?

Underwritten by one of a panel of insurers
  • Manage your policy online
  • Check your documents
  • Buy another policy

Did you take out your policy
1 June 2011 - 2 March 2017?

Underwritten by UK Insurance Limited
  • How to make your claim
  • FAQs

Did you take out your policy before 1 June 2011?

Underwritten by eSure Insurance Limited
  • How to make your claim
  • FAQs


Got a question?

Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.

Sainsbury's Bank Car Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

‡Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy

Guides

The extra mile

Take a look at our  guides to help answer your questions on all things car related, from looking after your car and driving in winter to what to do in an accident.

Guide to car insurance

Guide to driving in winter (PDF, 2.3MB)

Guide to driving in Europe

Guide to car maintenance

Guide to no claims discount (PDF, 697KB)

Guide to breakdown basics (PDF, 749KB)

Guide to car insurance excess

Guide to car insurance groups

Guide to what to do if you have an accident



Got a question?

Have a look at our frequently asked questions for more on our car insurance and how it works. We’ve also put together some helpful guides on everything from driving in winter and your no claims discount to car maintenance and driving in Europe.

Sainsbury's Bank Car Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

‡Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy